Lauderdale County property record for 680 Co Rd 120, Waterloo, AL 35677
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,500 sqft · built 2002 |
| Lot Size | 2.66 acres (115,870 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $573 (2025) |
| Deeds & Mortgages | Jan 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-09-32-0-000-006-002 |
| Primary APN | 07-09-32-0-000-006-002 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,500 sqft Living Area |
| 1st Floor Area | 1,500 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2002 |
|---|---|
| Exterior Material | Vinyl |
| Foundation Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 115,870 sqft (2.66 acres) |
| Lot Dimensions | 403 ft deep x 273 ft wide |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | 52968 |
|---|---|
| Street Address | 680 COUNTY ROAD 120 |
| City | WATERLOO |
| State | AL |
| Zip | 35677-3519 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 273 X 403.36 IRR IN SE/4 OF NW/4 SEC 32 T1S R13W COM @ NE COR OF NW/4 SEC 32 S 2179.96 TO POB S 84.46 SW 296.87 NW 403.36 NE |
| Legal Range | 13W |
| Legal Township | 01S |
| Legal Section | 32 |
| Jurisdiction | LAUDERDALE AL |
| Township / Civil Division | WATERLOO |
| Census Block Group | 2 |
| Census Block | 2043 |
| Census Tract | 11300 |
680 Co Rd 120 is owned and occupied by an individual.
Source: Lauderdale County records, as of November 21, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 680 COUNTY ROAD 120, WATERLOO, AL 35677-3519 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAUDERDALE AL |
| Property Address | 680 COUNTY ROAD 120, WATERLOO, AL 35677-3519 |
| Transaction Type | Mortgage |
| Record Updated | Aug 4, 2022 |
| Name | Verified Name |
|---|
| Document Number | 02020/3903 |
|---|---|
| Date | Jan 31, 2020 |
| Book Page | 2020/3903 |
| Name | PEOPLES BANK |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | Jan 31, 2021 |
| Rate Type | Fixed Rate |
|---|
The 2025 property tax bill for 680 Co Rd 120 was $573 with a homeowner's exemption, up 4.9% from the year before.
Source: Lauderdale County assessment roll, as of January 1, 2025
| Type | Name |
|---|---|
| State | Alabama |
| County | Lauderdale County |
| Unified School District | Lauderdale County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $573.00 (+4.95%) Homeowner's exemption | $18,040 (+4.52%) | $180,440 (+4.55%) Land $32,400 Building $148,040 |
| 2024 | $546.00 (-3.53%) Homeowner's exemption | $17,260 (+579.53%) Land $2,720 Building $14,540 | $172,580 (+5.32%) Land $27,100 Building $145,480 |
| 2023 | $566.00 (+36.06%) Homeowner's exemption | $2,540 (-79.04%) Land $2,540 | $163,860 (+35.42%) Land $25,300 Building $138,560 |
| 2022 | $416.00 Homeowner's exemption | $12,120 | $121,000 Land $20,900 Building $100,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 680 Co Rd 120 in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1989.
Source: FEMA National Flood Hazard Layer, effective August 1, 2018 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 3 in force |
| Nearby Flood Claims | 4 (1989–2003) |
| Most Recent Claim | May 2003 · Severe Storms, Tornadoes, And Flooding |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 680 Co Rd 120 is moderate, ranking above 46% of the US, with a 0.09% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 46% of the US · above 51% of Alabama |
|---|---|
| Wildfire Likelihood | 0.09% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 3 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Fiber | 1,000 / 1,000 |
4G LTE (outdoors only), no 5G reported
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